I'm wanting some information about a future auto loan I plan to get. I would like to buy a Dodge Charger RT ($30k) with $5k down with a credit score of 650 at a term of 72 months. It'd also be helpful to mention that when I intend to buy I would be one year post bankruptcy. What would the interest look like and/or would you recommend me getting a higher score before purchasing?
Credit scores vary and different lenders use different ones.
I am not just talking about FIKO vs FAKO or Experian vs Trans Union.
Some lenders use FIKO mortgage score, some use Auto 8 some use other scores.
It's best to try and determine what exact score they use and then find out what yours is.
At 650 you will likely be approved but maybe not the best rate.
Consider trying a local credit union and going to the dealer with approval in hand it's very empowering to know all the details before making a deal.